Minneiska Local Government
City of Minneiska
Minutes
May 6, 2013
David Pries, City
Clerk
City of Minneiska
Minutes
April 1, 2013
Old Business
David Pries, City
Clerk
City of Minneiska
Minutes
March 4, 2013
The Minneiska City
Council Meeting was called to order by Mayor Scott Splittstoesser.
Council members present were Mel Heaser, Bob Konkel, Mike Konkel
and Mark Tibor. Also present
were Ken Heaser and Dave Pries.
Old Business
Street cleaning:
Bob motioned and Mike seconded that we accept Wigham Services’
bid of $450 for cleaning the streets.
This bid is contingent on Wigham getting the Winona County
contract. If Wigham does not
get the county contract, the cost would be $650.
If that is the case Scott will get additional bids.
All approved.
Bob motioned the
meeting be adjourned and Mel seconded.
All approved and the meeting was adjourned.
David Pries, City
Clerk
National Flood Insurance Program
Changes Effective October 1, 2009
On October 1, 2009, important changes to the National Flood Insurance
Program (NFIP) will take effect. There will be an increase in rates, the
standard deductibles, and the basic insurance limits. These combined
changes will result in an average premium increase of 8 percent. The
increases will apply only to policies that are written or renewed after
October 1, 2009.
Please read the additional information below which provides more detail
and explanation regarding these significant October changes.
The standard deductible of $500 is being discontinued for all
properties. The new standard deductible for Post-FIRM (Flood Insurance
Rate Map) properties will be $1,000 and Pre-FIRM properties will be
$2,000. Owners of Pre-FIRM properties have the option to buy back the
$1,000 deductible within 60 days of the renewal of their flood insurance
policy. Otherwise, deductibles cannot be reduced midterm unless required
by the mortgagee. It is important to remember that there is a 30-day
waiting period unless it is a requirement for loan closing. In most
cases the deductible is only a fraction of the average flood insurance
claim, which can be substantial.
Just as with other lines of insurance with high claim potential, such as
wind insurance, it is not unusual for minimum deductibles to increase to
foster the soundness of the program. The NFIP’s previous deductibles
were in place for almost a decade. In taking inflation into
consideration over time, the new standard deductibles being changed
effective October 2009 are comparable in value to the previous
deductibles when they were first established.
The basic insurance limits are also increasing for all categories of
buildings and contents: ·
The basic limit for 1-4 Family Dwelling Coverage will increase
from $50,000 to $60,000. Additional insurance limits are $190,000 for a
total limit of $250,000. ·
Other Residential Building Coverage basic limit will increase
from $150,000 to $175,000 with additional insurance limits of $75,000
for a total limit of $250,000. ·
Non-Residential Building Coverage will increase from $150,000 to
$175,000 for the basic limit. Additional insurance limits are $325,000
for a total of $500,000. ·
Residential Contents Coverage basic limit will increase from
$20,000 to $25,000. Addition limits are $75,000 for a total
insurance limit of $100,000. ·
Non-Residential Contents Coverage basic limit will increase from
$130,000 to $150,000. Additional insurance limits are $350,000 for a
total insurance limit of $500,000. The emergency program building coverage will remain unchanged. For
1-4 family dwellings this coverage is $35,000* and for other residential
and non-residential it is $100,000**. Emergency program contents
coverage for residential is $10,000 and nonresidential is $100,000. *
In Alaska, Guam, Hawaii, and U.S. Virgin Islands, the amount available
is $50,000 **
In Alaska, Guam, Hawaii, and U.S. Virgin Islands, the amount available
is $150,000
The premium increases vary by Zone. V Zones are coastal high-velocity
zones and will have larger rate increases as a result of the Heinz
Center’s Erosion Zone Study, which clearly indicates that current rates
significantly underestimate the increasing hazard from steadily eroding
coastlines. The premium increases by zones are as follows:
V Zones
V Zone premiums will increase 10 percent.
A Zones
A Zones, which are non-velocity zones that are primarily riverine zones,
will increase by 8 to 10 percent. ·
Post-Firm A1-A30 and AE Zones will increase 10 percent. ·
Pre-FIRM AE Zones premiums will increase 10 percent to decrease
the amount of subsidy in our Pre-FIRM rate. ·
AO, AH, AOB, and AHB, which are shallow flooding zones, will have
an 8 percent increase in premiums. ·
Unnumbered A Zones, which are remote A Zones where elevations
have not been determined, will have increase of 10 percent in premiums.
·
A99 Zones, which are approved flood mitigation projects, e.g.,
levees still in the course of construction, and AR Zones will have
premium increases of 10 percent. X Zones and Miscellaneous ·
X Zones, which are zones outside the Special Flood Hazard Area,
will have an increase of 8 percent for a Standard Risk Policy and no
increase in premiums for a Preferred Risk Policy (PRP). ·
Mortgage Portfolio Protection Program (MPPP) will have an
increase in
Effective October 1, 2009 FEMA will discontinue the distribution of
paper maps. The paper maps will be replaced with Digital Flood
Insurance Rate Maps (DFIRMs). Replacing the paper map products with
digital versions is more environmentally friendly and will improve the
usability of FEMA’s flood hazard data. It also provides users with a
more powerful tool for insurance activities and flood risk management
Why are all of these changes being made?
The NFIP has implemented these changes in order to prepare for future
flooding events and to lessen the burden on taxpayers of paying for
future flood damage. To ensure the viability of the program it is
necessary to have premium levels that correspond to the risk that is
being assumed. Most insurance carriers impose annual rate increases on
products such as auto insurance, homeowners insurance, etc. and some
insurance carriers may refuse coverage to certain high risk prospects,
in order to continue to thrive. However, unlike other forms of
insurance, the NFIP, whose policies are sold through various insurance
companies and agents, will not refuse to offer coverage as a result of
multiple claims or any large sustained loss. The NFIP continues to
provide reasonable rates to people who purchase flood insurance to
protect their homes and businesses against the Nation’s number one
natural disaster.
For more information about the NFIP, please visit
www.FloodSmart.gov. Please feel free to contact us with your
questions or concerns at
info@femafloodsmart.com.
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premiums of 10 percent.
Discontinuance of Paper Flood Insurance Rate Maps
Winona County Hazard Mitigation Plan
Wabasha County Hazard Mitigation
FEMA Information for Homeowners and Renters
The official site of the NFIP
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